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Public Adjusters Fight For You

Public Adjusters can only represent policyholders. Besides adjusting, negotiating, and settling your insurance claims a public adjuster must protect your financial interests by keeping you compliant with the complex terms, conditions and legal requirements in your insurance policy. Failing to file time sensitive obligations can void a claim in part or whole.

Injury to Your Claims

If you have a loss under $50,000.00 you may only forfeit a small to moderate percentage of your benefits by going it alone. If your losses are in the hundreds of thousands, by the time you realize the damage to your claim it may be too late for a do-over, especially if your carrier’s restoration vendors already disposed of your property.

Public Adjuster Views on Inheriting the Liability of Bad Claims for Peanuts

Depending on how far along your claim is, most public adjusters won’t get involved with reviewing / researching and pricing convoluted claim settlements prepared by incompetent adjusters and vendors.  If most of your property (evidence) was authorized for disposal  by your carrier you may not be able to support the existence of your property or the values you decide to dispute and may be stuck with the decisions you unintentionally agreed to.Additionally, since the law prohibits public adjusters from charging fees on already paid claims most public adjusters won’t engage in a fight without supporting documentation. Without full control over a claim most public adjusters will not risk time consuming battles already lost.  You should never “go it alone” on large loss claims. Over the years, we’ve represented many attorney’s and insurance company employees (including claims adjusters) who knew it was unwise to negotiate their own large loss claims.

Conflicts of Interest Representing Policyholders

Regardless of what impression you glean from multi million dollar insurance advertisements, no insurance carrier and or its adjusters can legally represent a policyholder’s interests in the negotiation and or settlement of an insurance claim, it is an absolute conflict of interest!  As well, pursuant to a written assignment of policyholder insurance benefits, contractors and restoration firms / vendors can only negotiate with insurance carrier’s for the fees a policyholder assigns to them for the work they perform, however, no such party can represent a policyholder in an insurance loss without a public adjusters license.

Unlicensed & Unlawful Adjusting Practices

Without a public adjuster, broker or law license persons are prohibited from settling policyholder property claims for profit. Even attorney’s regularly engage in the practice of adjusting property insurance claims for a living require a public adjusters license.  Unless representing you in the regular course of other business, or an insurance litigation your attorney will likely advise you to hire a public adjuster to settle your property claims.